Wintrust Financial Corporation (WTFC) — Cash Flow Quality Index
Wintrust Financial Corporation (WTFC) has a Cash Flow Quality Index of 0.97x as of September 2025. Operating cash flow of $209.78 Million is below net income of $216.25 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Wintrust Financial Corporation (WTFC) long-term investment share to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Wintrust Financial Corporation Cash Flow Quality Index (1997–2024)
Historical Cash Flow Quality Index for Wintrust Financial Corporation across 28 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Wintrust Financial Corporation tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Wintrust Financial Corporation (1997–2024)
Year-by-year earnings quality comparison for Wintrust Financial Corporation. For live market cap and the full company financial profile, see WTFC stock market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.04x | $721.56 Million | $695.04 Million | ▲ +3.5% |
| 2023 | 1.00x | $1.84 Billion | $1.84 Billion | ▼ -62.8% |
| 2022 | 2.70x | $1.38 Billion | $509.68 Million | ▲ +11.2% |
| 2021 | 2.43x | $1.13 Billion | $466.15 Million | ▲ +237.1% |
| 2020 | -1.77x | $-518.47 Million | $292.99 Million | ▼ -336.6% |
| 2019 | 0.75x | $265.99 Million | $355.70 Million | ▼ -32.0% |
| 2018 | 1.10x | $377.18 Million | $343.17 Million | ▼ -29.5% |
| 2017 | 1.56x | $401.63 Million | $257.68 Million | ▲ +3.7% |
| 2016 | 1.50x | $310.97 Million | $206.88 Million | ▲ +504.7% |
| 2015 | 0.25x | $38.97 Million | $156.75 Million | ▼ -81.8% |
| 2014 | 1.36x | $206.37 Million | $151.40 Million | ▼ -34.9% |
| 2013 | 2.09x | $287.21 Million | $137.21 Million | ▼ -13.4% |
| 2012 | 2.42x | $268.65 Million | $111.20 Million | ▼ -23.3% |
| 2011 | 3.15x | $244.27 Million | $77.58 Million | ▲ +60.8% |
| 2010 | 1.96x | $124.01 Million | $63.33 Million | ▲ +117.0% |
| 2009 | -11.51x | $-841.03 Million | $73.07 Million | ▼ -255.9% |
| 2008 | 7.38x | $151.29 Million | $20.49 Million | ▲ +256.2% |
| 2007 | 2.07x | $115.38 Million | $55.65 Million | ▲ +233.0% |
| 2006 | 0.62x | $41.39 Million | $66.49 Million | ▼ -64.3% |
| 2005 | 1.74x | $116.91 Million | $67.02 Million | ▼ -28.1% |
| 2004 | 2.43x | $124.53 Million | $51.33 Million | ▼ -32.7% |
| 2003 | 3.61x | $137.49 Million | $38.12 Million | ▲ +69.8% |
| 2002 | 2.12x | $59.21 Million | $27.88 Million | ▲ +253.9% |
| 2001 | -1.38x | $-25.45 Million | $18.44 Million | ▼ -132.9% |
| 2000 | 4.20x | $46.84 Million | $11.15 Million | ▲ +47.0% |
| 1999 | 2.86x | $26.93 Million | $9.43 Million | ▲ +313.4% |
| 1998 | -1.34x | $-8.30 Million | $6.20 Million | ▼ -207.1% |
| 1997 | 1.25x | $6.00 Million | $4.80 Million | — |